Checking Account Services

Online Banking Enrollment

Enrolling Online Banking is a simple process that takes only a few minutes. If you have an ATM or Visa Debit Card, select Enroll and complete the enrollment pages that follow.

First, you'll be prompted for your Social Security Number and date of birth.

Next, you'll be asked for your checking or savings account number as well as your ATM or Debit Card number and the amount of one of your last 10 transactions. This helps us confirm that you are the person who owns this account.

Finally, you'll be asked to select a username and password and provide your email address and phone number.

If you don't have an ATM or Visa Debit Card, don't worry, you can still register for Online Banking. Find out how.

Once logged in to Online Banking, select "Security" from the main menu. Next, select "Mask/UnMask Account." Remove the check mark next to "Yes, show only the last four digits" and select "Unmask My Accounts." Full account numbers will be shown throughout your current Online Banking session only, or you can mask them again at any time by selecting "Mask My Accounts."

Online Banking displays both your deposit and loan accounts. You'll be able to see any account for which you are the sole owner, joint owner or authorized signer. (Note: You cannot access business accounts within personal Online Banking. If you would like access to your personal and business accounts online, you will need to enroll in Business Online Banking. Find out how.

Yes, to change the order of your accounts, select "Display Options" on the top right of your account list. On the "Account Display Options" page, you can click and drag the accounts to change their order within each account group or even change the order of the groups by selecting "By Account Group."

How frequently is my account information updated within Online Banking?

A:

Your account will be updated with information on two types of transactions: pending and posted.

Pending Transactions are transactions such as deposits, transfers or cash withdrawals and hold for debits or credits that have been authorized but not yet posted to your account. With Online Banking, you'll be able to see transactions through real-time updates.

Posted Transactions are transactions which have been processed and cleared against your account. This transaction information is updated daily, as pending transactions are completed and converted to posted transactions.

Note that some transactions values may change as they convert from pending to posted (such as authorizations with gas stations and restaurants). For example, gas stations will often pre-authorize $1 for a gas purchase. The transaction will be listed as "pending" until the full amount of the purchase has "posted".

The "Available Balance" is the amount of your current balance less any pending transactions. The available balance may include pending items such as deposits, transfers or cash withdrawals and holds for debit or credit transactions that have been authorized but not yet posted to your account. It does not, however, include balances from any overdraft protection services.

I transferred money using Online Banking, but I don't see the transferred amount reflected on my accounts. Why?

A:

There are a number of different transfer options available to you within Online Banking, each of these has its own timeframe for completion and will be reflected on your accounts accordingly.

Immediate transfers occur as soon as requested (unless you are notified otherwise at the confirmation screen). The transfer will appear as a pending transaction as soon as you've completed the request, and your account's available balance will be updated at once. Transfers entered before the cutoff time of 7 p.m. CST on a bank business day are processed on that bank business day. Transfers entered after the cutoff time or on a non-bank business day are processed on the next bank business day. Transfers submitted and processed from a deposit account are immediately reflected in your balance for that account.

Scheduled transfers are transfers you set up in advance of the date on which you want the transfer to occur.

When will a transfer be processed iif I select "Schedule It" and enter today's datea?

A:

Scheduled transfers are submitted for processing at the following times: 4:00 AM (CT), 11:00 AM (CT), and 7:00 PM (CT). If you select “Schedule It” and enter today’s date, the transfer will not immediately show pending on the account but will be listed on your Scheduled Transfers page until one of the previously listed processing times. Once processed, the transfer will reflect on your accounts, and the Scheduled Transfer page will display information for the next scheduled transfer (if recurring).

Your ability to stop or modify a transfer request varies based on the type of transfer in question.

Immediate transfers are not confirmed (and will not be processed) until you reach the "Transfer Funds Confirmation" screen. At this point, the transfer cannot be stopped. However, you can make a new transfer to move the funds back to the appropriate account.

Future dated transfers can be edited or deleted at any point in time prior to the transfer date.

Yes. The security of online activity with the Online Banking system is a top priority for us, and we've taken strong measures to ensure that your information remains safe and confidential. 128-bit encryption, multi-factor authentication, and Trusteer's Rapport software are just a few ways we demonstrate our commitment to protecting your information. Read on to find out more.

The first step is the use of a secure browser. Certain browsers and computers have the ability to communicate securely by scrambling information as it passes through the internet. This method of communication is called SSL, or Secure Socket Layer. We require the use of a secure browser (128-bit high encryption) before a connection with our transaction system can be made.

After you reach us using the secure browser, we take steps to make sure your information remains secure and confidential. Your information passes through a "firewall," which is a computer especially designed to keep out unauthorized users. The information is scrambled again to ensure that it can only be read by authorized representatives of the bank. For more information, please read our Privacy Policy.

The Online Banking system also offers increased security for your finances by allowing you to more closely monitor your accounts; you can check your balances and transactions as frequently as you wish; and you can also set alerts to let you know when your account reaches a certain balance.

Trusteer Rapport is a security software application. It helps prevent online identity theft and helps protect online transactions. You can use Rapport on any website that houses your private information, including:

Online bank accounts

Mutual fund accounts

Online brokerage accounts

E-mail (such as Hotmail, Yahoo!, and Gmail)

Social networking sites (such as Facebook)

Insurance applications

Sites containing personal medical information

Online merchants (such as eBay or Amazon.com)

Rapport is completely transparent. It does not change the way you view or log in to the websites you use. No configuration or maintenance is required; simply install and browse safely.

Once you are logged in to the secure portion of Online Banking, select "Security" from the Main Menu. Select the "Change Password" option or "Change Username" option depending upon which you want to change. Please note that passwords are case sensitive.

If you have forgotten your Username or password, you may either contact the Customer Service department or use the "Trouble logging in?" online assistance tool on the login page. If you use "Trouble logging in?" tool, you will be prompted to answer 2 previously selected security questions. Upon answering these questions properly, instructions for your next login will be emailed to you at the email address on file.

When logging in, I get an error message stating, "Invalid Credentials." Why?

A:

The username or password entered does not match what we have on file. If you continue to get this message, contact the Customer Service department or use the "Trouble logging in?" online assistance tool on the login page.

Your Browser and Online Banking

Q:

When I try to access Online Banking, I receive a "Browser Incompatible" error. What should I do now?

A:

The Bank requires our customers to have a 128-bit encrypted browser for extra security. A browser check is performed each time a customer logs in to or tries to register for Online Banking. The system will automatically check to make sure that you have a 128-bit encrypted browser.

Enrolling for Bill Pay is fast and easy; all you need is a personal checking account and an active Online Banking profile. Simply log in to Online Banking and select "Move Money" from the main menu. Then select "Pay a Bill." If you're not already enrolled as a Bill Pay customer, you will then be asked to select the primary checking account that will be used to process Bill Pay transactions.

Bill Pay creates a profile of the funding accounts you choose at enrollment. When you log on to pay bills it allows you to select from any of those checking accounts when making a payment.

Payment history is automatically saved for your records.

Schedule Payments up to a year in advance.

Schedule recurring payments for regularly occurring bills.

Edit or delete scheduled payments any time before processing date.

Depending on the merchant/payee, your scheduled payment will be made by check or electronically via ACH (automated clearing house). When scheduling payments, be sure to choose a "due by" date several days in advance of the actual due date reflected on your bill statement. The earliest "due by" date will be automatically displayed.

I scheduled a payment and it wasn't paid or the payment arrived late and I was assessed a late fee. What do I do?

A:

Late or undelivered payments are not common with Bill Pay. However, if this does happen, please contact our Online Banking & Bill Pay Customer Service and a representative will immediately begin researching the situation. Issues are often resolved quickly with late fees reversed in many cases. The bank will then work with our Bill Pay partner and the merchant to determine what happened and to address the situation.

Please refer to the Terms of Conditions for the Bill Pay Service for more detail pertaining to payment disputes.

When are funds taken from my account to complete my Bill Pay transactions?

A:

For electronic payments, funds will be deducted from your account and credited to the merchant on the "due by" date you have selected. For check payments, funds will be debited from your account when the check is presented to us for payment.

What happens to my Bill Payment check if I don't have enough money in my account to cover my payment?

A:

Bill Payments by check are drawn on your account just like a normal check. If there is an insufficient amount of available funds in your account to cover an Bill Payment check, we may either pay the check and charge your account for the check and an overdraft charge or decline to pay the check and charge your account a NSF fee.

You can use Expedited Payments to make same-day electronic payments or next-day payments via overnight check. Cut-off times vary by payee. When you select to make an Expedited Payment, you will be presented with a list of payees that qualify for expedited payment at the time. Fees for this service vary based on whether the item can be processed electronically or by check. Exact fees will be disclosed prior to completing an expedite request.

You can arrange to receive your bills such as utility bills and insurance bills online. When adding a payee, you will be presented with the option to receive your bill online. If your merchant sends only paper bills, you will see an image of the paper bill online. If your merchant has an option for electronic bills, you will see the payment information provided by the merchant.

Online Statements

Log on to Online Banking and select the Online Statements tab. You will see a list of accounts that are eligible for Online Statements. Select the accounts for which you would like to receive Online Statements by clicking the "Change" button next to the account name. Please note that you must accept the Online Statement Terms of Use to enroll. Online Statement service requires Adobe® Reader® 7.0 or later. Please confirm your proper email address upon enrollment.

Online Statements are available for most Checking and Savings accounts, excluding CDs, IRAs, and Christmas Club Savings accounts. Online Statements are not available for loans or credit cards at this time.

Will I still receive inserts and disclosures with my Online Statements?

A:

Yes, you will have access to inserts and disclosures through special links inside Online Banking once you are enrolled in Online Statements. To view inserts and disclosures, simply log in to Online Banking and select "Accounts & Services" from the main menu and select "Statements." Then click on the "View Statement Inserts" link at the top right of the statement list. A new page will open, displaying a list of Statement Inserts sorted by month and product type.

Each time a new statement is available, you will receive an email notification at the email address on file. This notice will not include any personal information or full account numbers. You will receive a separate notice for each account that is enrolled in Online Statements. Joint owners who also have a separate Online Banking profile, and are enrolled in Online Statements, will also receive notification via e-mail when the statement is ready.

If my e-mail address or phone number change, how do I notify the bank?

A:

You may update your e-mail address or phone number by logging in to Online Banking. Once you are logged in to the secure portion of Online Banking, select your name. From the "My Profile Page," select "Edit" in the "Contact Information" field. Select "Phone" or "Email," enter your new information, and click "Update Contact Information."

You may also update your e-mail address or phone number by contacting Customer Service.

To view your Online Statement, log in to Online Banking and select "Accounts & Services" from the main menu. Next select "Statements." Select the account from the list on the left. A list of the available statements for this account will appear. Select the statement you would like to view. The statement will open in PDF format through Adobe® Acrobat® Reader. If you do not have Adobe®, you may download it at no charge. You can visit our system requirements page for more information.

Once you have opened your Online Statement in Adobe® Acrobat® Reader, you may save it by clicking on the small disk icon on the toolbar. Provide a file name with a .pdf extension. We recommend using a name that will identify which statement you are saving such as CheckingSeptember.pdf.

Checking Account Services

Q:

What are the bank's routing/transit numbers and how can I find them?

A:

You can find the routing number at the bottom of your checks and deposit slips. Starting from the bottom left corner, it is the first nine digits. Please keep in mind that the routing/transit numbers are different from state to state and would correspond to where you opened your account. Here is a list of our bank routing numbers: